Sylacauga, AL · Charter 2333
Q1 2008
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2007 | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.12% | 0.93% | 1.11% | 0.43% | 0.18% | -194 bps | |
| Return on Equity | 13.89% | 5.96% | 7.01% | 2.76% | 1.22% | -1,267 bps | |
| Net Interest Margin | 3.34% | 3.38% | 3.42% | 2.92% | 2.82% | -52 bps | |
| Efficiency Ratio | 51.54% | 77.92% | 74.11% | 83.46% | 90.79% | +3,925 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.07% | 5.62% | -0.89% | -1.68% | 3.66% | -242 bps | |
| Loan Growth (YoY) | 10.29% | 13.45% | 17.06% | 16.51% | 14.22% | +393 bps | |
| Share Growth (YoY) | 6.56% | 5.17% | -2.29% | -1.88% | 3.16% | -340 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.42% | 1.42% | 1.13% | 1.29% | 1.71% | +129 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.37% | 0.30% | 0.18% | 0.31% | 0.33% | -4 bps | |
| Capital | |||||||
| Risk-Based Capital | 15.29% | 15.65% | 15.87% | 15.73% | 15.03% | -26 bps | |
| Net Worth / Assets | 15.29% | 15.65% | 15.87% | 15.73% | 15.03% | -26 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 66.48% | 70.47% | 73.63% | 76.27% | 73.61% | +713 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |